CHECKING ACCOUNT DO'S AND DONT'S

If you're discontented, the least likely reason is that you're living below the poverty line. More likely, you're discontented because you focus on material items, especially the things you don't have. Here are a few steps that can help you reduce the discontentment in your life - and help you build contentment.
Cancel magazine subscriptions, especially if the magazines show you lots of things you don't have or lots of places you haven't gone. Most magazines will refund the amount you paid for any undelivered issues, which gives you a bit of handy cash. The more important result, however, is that you are not constantly dissatisfed. Explore places that are free or that you can get into for a very small fee. These places might include forest preserves, botanical gardens, beaches, parks, local free concerts, libraries, and museums. Delight in the fact that someone's foresight or thoughtfulness made these activities available, as well as that they can enrich your life more than some costlier pleasures can.

Count your blessings. Think about all that you do have, whether it's stuff (a home, a mode of transportation, a pair of shoes, some flowers in a pot by the window), people (family, friends, a support network), or your health.
Don't indulge in "magic thinking." This is the tendency to dream of something (primarily money) coming along and making all your problems go away. You've already indulged in magic thinking if you've ever purchased a lottery ticket.

Choosing and managing a checking account means much more than picking out clever printed check patterns and making withdrawals from the local ATM.

If you do not already have a checking account, start with the Goof-Proof Checking Account Overview to learn what types of accounts are available. This will provide a good beginning to the research that you must perform before settling on your checking account. Explore many different banks to find the one that is right for you. Look at the fees that the bank charges for its services, as well as whether or not it is convenient and offers the products and services that you will need. Find out about hidden fees such as ATM charges, per check charges, and bounced check fees. These fees can add up, and turn a good deal bad very quickly.

Investigate minimum balances required to avoid or minimize fees. And keep in mind that many banks will allow you to link your accounts (checking, saving, money market) and count the combined balance toward your minimum requirements. If you are unsure, just ask.

There are several common types of checking accounts, some of which may have slightly different names at different banking institutions. This list will provide you with a general overview of the types and features of the most common checking accounts.
Basic checking. A basic checking account is just that, basic. If you plan to use your account mostly for day-to-day expenses and paying bills, this type of account may be for you. Some basic checking accounts have related fees, but these can often be avoided by carrying a minimum balance and allows you to apply for a secure loan.
Express. Express checking accounts allow you to do your banking by ATM, telephone, or personal computer, usually allowing an unlimited number of checks, requiring low minimum balance requirements, and charging low or no monthly fees. However, these accounts usually have high fees for banking in person using a teller. If you are the sort of person who feels comfortable doing all or most of your banking electronically or by telephone, this may be a good choice for you.

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